ABOUT US

 

Fortune or Misfortune?
Building and Preserving Wealth
 An effective approach to managing wealth uses time-honored principles. 
Managing all aspects of your financial life can seem like an overwhelming task when viewed in its entirety. There are a seemingly infinite array of investment options, products and opinions to evaluate, each with their own variations. Despite these complexities, your wealth management goal is fairly simple: to maximize the likelihood you will always have the money you need, when you need it.
 
So, how do you put the odds in your favor?
 
Smart wealth management begins with a personally-tailored plan built on well-tested techniques. It needs to be sophisticated yet simple, comprehensive yet clear, flexible yet disciplined. Insight and discipline can help to remove the mistakes made when you are distracted or guided by emotions. Strategies must be flexible enough to accommodate your changing needs and the ever-shifting markets, allowing you at all times to know where you are and where you are headed.
 
To increase the likelihood of success, time-tested techniques using core investment principles must be coupled with concrete problem solving.
 
As with any aspect of wealth management, investments deal in probabilities, not certainties. No plan can guarantee results. Your financial well being depends on research and reality, and must not rely on idealized or unrealistic market behavior or planning.
 
A properly designed portfolio should embrace core investment principles:
 
·        Provide competitive performance at a good value
·        Create cohesive and timely investment strategies geared to your specific needs
·        Maintain investment balance to create an Optimal Investment Mix
-        Diversification*- Risk (volatility) always exists, but it can be used to your advantage to combat the effects of volatility
-        Discipline- Regularly rebalance assets-go against the crowd, control emotions and stay the course in tough times
-        Mix styles (Growth and Value)- for steadier returns
·        Select proper financial assets classes
·        Select appropriate investment vehicles within asset classes
·        Seek steady gains-minimize losses so they do not reduce future income
·        Focus on capturing potential economic cycles
·        Access innovative and timely research
·        Develop and implement income strategy
·        Regularly monitor and update your strategy
·        Concentrate on concrete problem solving addressing topics such as longevity, tax planning**, legacies, market risk, inflation, family needs
 
Your overall aim is to have money when you need it. So:
 
·        Are you confident you have the time, talent and discipline to put this all together?
·        Do you have appropriate tools and resources?
·        Are you aware and keeping abreast of issues and opportunities to maintain the highest likelihood of success?
 
If not, this is where the Lawrence Investment Group of Wells Fargo Advisors comes in:
 
To increase the probability of success, we hold strongly to time-tested investment principles. We do this by applying these tenets in concert with a carefully tailored and comprehensive wealth management plan. Our goal is to plan your money around your life without taking unnecessary risk.
 
·        We listen to you, get to know you and come to understand your needs and dreams.
·        We regularly ask questions to discover any potential critical financial events now and in the future that could significantly impact your wealth.
·        Your wealth plan is designed to be simple, clear and flexible to help you lead the life you desire.
 
A Central Source for Thoughtful Managed Wealth
 
We begin by tailoring a plan to your specific ideal and acceptable goals. We analyze the impact of different market environments on your goals to find the delicate balance needed for you to be confident your plan is likely to succeed without unduly compromising your lifestyle or taking on unnecessary investment risk. Like all goals, ongoing monitoring and maintenance is necessary to ensure continued suitability, so your plan is flexible to your changing needs and the ever-shifting markets.
 
Our wealth management approach allows you to always know where you are and where you are headed as it is updated daily to account for market movements and changes. Our process and focus allows you to assess your progress, look forward and remain on track. We strive to make your life easier by serving as your central source for thoughtfully managed wealth.
 
The Lawrence Investment Group Advantage
 
Our Comprehensive Wealth Management process is founded on core investment principles, innovative and timely research, and investment products not readily available to the general public. For your benefit, we uphold time-tested principles. 
 
We have more than 40 combined years' of in financial services industry.  We believe our knowledge and experience allows you to have a high level of confidence that your investments are positioned for a high probability of success.
There are many financial advisors and institutions willing to adjust their principles to meet the demands of any client.  We are not one of those groups. Our team philosophy concentrates on being everything to a select group of individual and institutional clients, rather than trying to be everything to every investor. We seek clients who share our investment values.
To maintain our preferred client service, we welcome relationships with individual clients having a minimum of $1 million investable assets and institutional clients having a minimum $5 million investable assets.
 
*Diversification does not guarantee profit or protect against loss in declining markets.
**Wells Fargo Advisors is not a legal or tax advisor.  However, we will be glad to work with you, your accountant, tax advisor and or lawyer to help you meet your financial goals.

 
Calculators

Risk Tolerance

This calculator is designed to help you clarify your comfort level with investment risk.

Savings Goals

How much do you need to save each year to meet your long-term financial goals?

Federal Income Tax

This calculator can help you estimate your annual federal income tax liability.

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Newsletters

Tax Law Keeps S Corporations Attractive

S corporations are more common than C corporations and partnerships, perhaps because they are not subject to the corporate tax. Instead, profits and losses flow directly to shareholders, who are currently taxed at lower individual income tax rates. Read why reorganizing as an S corporation may be a smart move.

Federal Estate Tax Is Much Lower — For Now

The federal estate tax was repealed in 2010, then reinstated by the 2010 Tax Relief Act with new provisions for 2011 and 2012. This article discusses the temporary provisions, the options for estates of 2010 decedents, and potential changes in future years that could subject many more estates to the federal estate tax than under current law.

Doing Your Heirs a Favor

Although a will and a trust specify disposition of assets, many other details of an individual’s final wishes might be explained in a letter of instructions. This article offers some topics to consider addressing in the letter to help loved ones make decisions and take care of final arrangements.

Finding a Good Time to Invest

When a prominent stock market index closes above an important threshold, many investors who have been sitting on the sidelines may see it as good time to invest, but they may have missed a significant part of the rally. Waiting for the "right" moment to invest could prove to be a costly and ineffective strategy.

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